I'm Enrique, an aspiring real estate investor.Quick Bio:Since 2022, I've been on a journey in the world of residential real estate, focusing on single-family and multi-family properties.What I'm About:Believe in the power of connections, creating value, and the idea that "If you want to go fast, go alone; if you want to go far, go together."

Any other creative financing ideas?

It's definitely not a terrible idea to own real estate outside of a retirement account so you can take advantage of all the tax benefits, especially using the depreciation to reduce your taxable income from a w-2 job.

I think as the market continues to stabilize, we'll get a better idea of what our appreciation will look like over the next few years. 

I heard he got someone like 350k before.I know it involves opening up a bunch of cards (like 8 - 10) and charging/paying off in full repeatedly, he has other tricks too that push your credit up over 800 and then once you are there there are special programs offered and cards with big limits, he then directs you to a company that will provide you with the cash locked in the cards (for a fee of course).

If that person is an employee of one specific bank/lender, it's common for them not to have any idea which hits are "their" hits, and which come from Fannie Mae, since they only ever see the rate/fee schedule from the one place they work at, and they aren't typically labeled that way, it just says "2-4 unit cash out:" and lists the amount of the hit in basis points, without specifying from whence it came.

If you are interested in digging deeper into these ideas or talkin’ real estate investing - which I always love doing - don’t hesitate to reach out.

@Bradley BuxtonThank you for your reply.This is a good idea.

If you want to bounce some ideas around and/or talk shop I'm happy to do that as well.

I'd recommend shopping around with different lenders so you have a general idea/feel about what to expect in terms of rates and the whole process itself.